UBS Card with 125K sub and 1k annual credit
UBS 推出 125K 奖励及 $1000 报销，资产门槛疑放宽，针对大额消费。
1. 关键信息
- 开卡奖励 (SUB)：125K Points。
- 年费：$650。
- 申卡门槛：需为 UBS 客户。条款提到需 $100K Marketing Relationship Household，但用户讨论实际门槛可能更低（25K）。
- 点数价值：Air Fare 兑换最高可达 1.8 cpp（50K/$900 比例），25K 兑换则为 1.4 cpp。
- 攒点比例：3x 机票，2x 超市/Streaming/报纸，1x Everything。
2. 羊毛/优惠信息
- $1,000 Credit：要求当前或上一自然年累计消费满 $25,000。报销范围包括 Restaurant、Amazon Prime 等。
- 级别福利：特定高额资产账户可免年费。
- 全套权益：含 PPS、CLEAR、$100 酒店信用、私人飞机礼遇等。
3. 最新动态
- 门槛讨论：有用户观察到存款要求似乎在放宽，怀疑是经济环境影响。
- 申卡疑虑：用户高度关注其是否受 Chase 524 政策影响。
- 报销机制：确认 $1,000 报销并非自动，需满足 $25K 消费额度后主动申请。
4. 争议或不同意见
- 价值判断：@otonoco 认为是“神卡”，适合交税或大额 Organic Spending；@Agonist 等人认为 25K 消费门槛过高，且攒点能力可能不如其他主流高端卡。
- 变现难度：匿名用户指出 1.8 cpp 需精准兑换 $900 机票，对于非家庭旅行者或非高频商务客有局限性。
- 持有策略：讨论集中在是“年抛”撸 SUB 还是长期持有。
5. 行动建议
- 大额/交税人群：年消费能轻松达 $25K 且有 $900 级别机票需求的人群，该卡可实现负年费，值得冲。
- 资产客户：已有 UBS 账户或愿意放 $100K 资产的理财客户，可利用免年费政策实现收益最大化。
- 普通玩家：需谨慎计算，若无法达到 $25K 消费额度，该卡仅剩 125K SUB，扣除 $650 年费后吸引力一般。
好像只要25K就可以有Advisor-led Wealth Management 账号。Advisor可以帮着申卡AHA 125K. Link: https://www.ubs.com/us/en/wealth-management/who-we-serve/individuals-and-families/banking/cardoffer2026.html https://www.ubs.com/us/en/wealth-management/who-we-serve/individuals-and-families/banking/cardoffer2026.html The rewards stay with you but the offers don’t. Apply by December 31, 2025 等新账户并下卡的DP
有一米才能申？
没见条款里还有客户存款的要求了，果然经济不景气都纷纷走下神坛
能撸吗zs
谁能解释一下这句话： Eligible UBS Visa Infinite card accounts must have cumulative spending of $25,000 or greater during either the current calendar year-to-date or the prior calendar year. Credits must be requested and will be no greater than the amount of the restaurant transactions, the Amazon Prime membership fees and airport lounge access charged to your eligible UBS Visa Infinite card account, up to $500 per calendar year. You may claim up to $500 in credit(s) for each calendar year in which you qualify for the benefit. If you claim more than $500 in credits in a calendar year, the credits issued will be capped at $500 for that year. If you do not claim the maximum eligible credit in a year, the unclaimed portion will not carry over into subsequent years. You must claim the credits for the same calendar year in which the applicable purchase transactions posted to your card account. A credit must be claimed within 120 days of the transaction date.
无卡可申中，关注这张卡
第二级别还免年费
看起来很适合交税？有什么坑吗？
卧槽，神卡
每日历年消费25K以上才给报销
25k 岂不是轻轻松松
有无解读是否适合
我能看到的Eligibility第一条是 Must be a part of a $100,000 Marketing Relationship Household, not be the primary account holder or co-applicant on a current uBS credit card and have not been one in the past year. 不知道这100K是指要放在UBS里的钱还是什么
没啥吸引力。不知道上面说的神卡神在哪里
25k 交税1.75~2%算 手续费中间值450 年费650 给1000 credit 倒亏100 但是如果本来就有25k的extra organic消费 就是能赚的？
看了下日常刷 3x机票 2x超市/digital streaming/报纸/电视 1x everything 点数用途 换air fare，50k/$900, 25K/$350 换礼卡/travel portal 还有一堆pps/clear/私人飞机/concierge不表 完整的https://www.ubs.com/us/en/wealth-management/our-solutions/banking/cards/personal/_jcr_content/root/contentarea/mainpar/toplevelgrid_1711037194/col_1/innergrid_1534294079/col_1/linklist/link_816489024.0094874090.file/PS9jb250ZW50L2RhbS9hc3NldHMvd21hL3VzL3NoYXJlZC9kb2N1bWVudHMvaW5maW5pdGUtZGlnaXRhbC1iZW5lZml0cy1ndWlkZS5wZGY=/infinite-digital-benefits-guide.pdf 所以最大价值是1000 - 650 + 900 + 900 + 350 = $2500 假设交fy2026的税1.89% fee, HYS损失计算3.5% / 半年。总共$910。still net $1590。
要是不占524就好了
当然有多少人能organic $2000+机票钱是另一回事
后退大法难了之后估计有娃家庭大多都能满足2K机票要求
交税不能攒点吗？
匿名用户nitan: still net $1590。 那得年抛吧
其他卡也能攒点 这张卡对比其他卡的点大概率是不如的